Banking fraud is becoming more sophisticated as technology becomes increasingly integrated into everyday life.
Although banks have implemented advanced security measures to against fraud, fraudsters are constantly developing new ways to deceive victims.
Therefore, both banks and customers must remain vigilant to better protect themselves.
Here are the types of banking fraud that experts predict will be prevalent in 2025.
1. Social Media Fraud
Although this scam has occurred before, it is expected to re-emerge in 2025 with more sophisticated techniques.
Fraudsters create fake accounts impersonating BCA on platforms like Instagram and TikTok. They imitate the official BCA account name and logo to appear legitimate.
These fraudsters post visuals that closely resemble those of the official BCA account by using images taken from genuine BCA posts.
Their modus operandi includes offering incentives such as applying for a new credit card, increasing a credit card limit instantly, or acquiring a BCA Prioritas Card. Interested victims are then asked to click on a link and enter their personal data.
Some fraudsters even invest in advertising these fraudulent schemes on social media to attract as many victims as possible!
Key safety tips: Always remain calm and alert. By doing so, you can verify the authenticity of an account and avoid clicking on suspicious links.
2. Fake Halo BCA Scam
Fraud involving fake Halo BCA numbers is common. Fraudsters manipulate the official Halo BCA number (1500888) by adding prefixes such as 021, +62, and others.
With advancements in technology, fraudsters can manipulate the official Halo BCA number to make calls and send SMS messages that appear authentic.
Key safety tips: Stay calm and alert. If you receive a call or SMS from 1500888 containing good news (such as a prize) or bad news (such as unauthorized use of your credit card), do not react with excitement or panic.
Always verify the information to Halo BCA via the HaloBCA app. If the message turns out to be false, report the fraud immediately.
3. Phishing
One of the oldest yet most effective fraud techniques, phishing involves scammers sending SMS, WhatsApp messages, emails, or texts pretending to be from BCA. They spoof phone numbers, profile pictures, and even use AI-generated voices to imitate Halo BCA customer service representatives.
These messages often contain links to fake websites that closely resemble the official BCA site. Once victims enter their banking information, fraudsters gain access to their financial accounts or credit cards.
Here are the key safety tips:
- Verify the sender’s number/account via the haloBCA app.
- Never click on links in suspicious messages.
- Never share personal banking details such as card numbers, PINs, OTP codes, CVV/CVC, or Response Appli 1 and Appli 2 KeyBCA.
4. Man-in-the-Middle (Pharming) Attacks
A variation of phishing, man-in-the-middle attacks involve fraudsters intercepting communication between victims and legitimate institutions.
For example, when a victim contacts BCA via social media, a scammer (using a fake BCA account) may respond, posing as a legitimate BCA representative. They then direct the victim to a fraudulent website that looks identical to the official BCA website, where they steal login credentials or personal information.
Here are the key safety tips:
- Get to know official BCA social media accounts.
- Never click on links in suspicious messages.
- Never share personal banking details, such as card numbers, PINs, OTP codes, CVV/CVC, or Response Appli 1 and Appli 2 KeyBCA
5. Fraud Using AI
AI technology is becoming increasingly sophisticated. Scammers now use AI to mimic anyone’s appearance, voice, and visuals, making it easier to deceive victims.
They often utilize deepfake technology to impersonate trusted individuals, with the goal of extorting money or obtaining personal information.
Here are some fraud methods that have been enhanced with AI:
Impersonating a BCA Customer Service Officer
- In this type of fraud, scammers pose as BCA Customer Service officers via video calls or by sending pre-recorded video content.
- They use this disguise to deceive victims into providing their personal banking details.
Impersonating a Family Member, Relative, or Official
- Fraudsters use social engineering techniques to convince victims to send money voluntarily.
- For example, they may impersonate a government agency demanding payment for a fake fine or pretend to be a family member in urgent need of financial assistance (e.g., claiming to be in an accident, hospitalized, or detained at a police station).
Romance Scam
- The rise of online dating has opened new methods for fraud.
- Scammers often engage in catfishing, creating fake social media profiles with stolen photos and false identities, to gain the victim’s trust and affection over time.
- This type of scam can lead not only to financial losses but also to significant emotional distress.
You can read more about security tips to avoid AI fraud in this article.
These are the latest types of banking fraud expected to be prevalent in 2025. Visit bca.id/awasmodus for the most up-to-date information on fraudulent schemes.
Always be #AwasModus and stay smart in all your banking activities. Fraud tactics are constantly evolving and becoming harder to detect. If you come across suspicious information from an unclear source that seems “agak laen”, remember: If you don’t know, kasih noI